Page 21 - BKT Annual Report 2024 EN

Strategy and plans

for year 2025

As BKT celebrates its 100th anniversary

in 2025, we are eager to take bold steps

to further strengthen our stability,

sustainability, and leadership in the

banking sector.

This milestone year will mark a new chapter in our deposit base, maintaining our leading position in the
journey, as we continue to expand our lending and sector and reinforcing our image as a “symbol of trust.”
deposit base, transform our service model, and deepen
our digitalization efforts. Guided by our century-long BKT is undergoing a significant transformation in
legacy as a “symbol of trust” and “stability,” we remain its service model, shifting from a product-centric
committed to driving financial inclusion, innovation, and approach to a customer-centric, technology-
sustainable growth. driven model. This transition will maximize customer
satisfaction, financial inclusion, and profitability. By
BKT will adopt a careful and strategic approach to adopting a segment-based, channel-driven strategy,
grow its lending portfolio, with a particular emphasis we aim to provide tailored solutions to every customer
on business lending. Prioritizing the SME segment, we category—from large corporates to underbanked
aim to support small and medium-sized enterprises individuals. Our “Phygital Strategy” will ensure end-to-
as key drivers of economic growth. Additionally, BKT end digitalization across many products, supported by
will actively participate in financing infrastructure physical branches and expanded ATM network and our
and energy projects, contribute to the growth of the human ware to educate and guide customers through
tourism sector, and increase our presence in agriculture the new reality and convenience of banking.
financing. These initiatives reflect our commitment
to supporting critical sectors of the economy while The physical branch transformation will continue, with
maintaining a balanced and diversified portfolio. a focus on increasing efficiency, cross-selling, and
profitability. As part of our centennial celebrations, we
On the retail banking side, BKT will continue to leverage will renovate our historical branches, which are cultural
its historical strength by offering competitive products monuments in their cities. These renovations will honor
such as wide range of housing financing and digitalized our heritage while aligning with our ESG goals and
personal loans (Superloan). These offerings will meet commitment to sustainability.
the changing needs of our retail customers, ensuring
we remain a trusted partner in their financial journeys. In celebration of our 100th anniversary, BKT will plant
plane trees in various cities, symbolizing longevity,
In line with our ambitious lending targets, BKT will take and our commitment to the environment. This initiative
all necessary steps to ensure compliance with capital reflects our dedication to ESG principles and our vision
requirements. As a systemically important bank, we to contribute positively to society and the planet. As
will actively issue MREL bonds to strengthen our capital we look ahead, we remain steadfast in our mission to
position. Simultaneously, we will continue to grow our create a lasting impact for future generations.

ANNUAL REPORT 2024 21